CAPITAL ONE FINANCIAL CORPORATION

2016-10-17

Bridgeport, CT

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

E Atlantc Bch, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-17

Chino Hills, CA

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-17

Grosse Ile, MI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

Darnestown, MD

Billing statement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-17

Brooklyn, NY

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

Wallington, NJ

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I am not really sure who to complain about. I was delinquent on XXXX Capitol One cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing Capitol One, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from XXXX XXXX XXXX, attempting to collect. I looked at my credit report and saw that both Capitol One AND XXXX were listed as companys that I owed. When I contacted Capitol One, they told me that they sold my debt to XXXX XXXX. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented Capitol One? If so, this is fraud.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

Wallington, NJ

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I am not really sure who to complain about. I was delinquent on XXXX Capitol One cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing Capitol One, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from XXXX XXXX XXXX, attempting to collect. I looked at my credit report and saw that both Capitol One AND XXXX were listed as companys that I owed. When I contacted Capitol One, they told me that they sold my debt to XXXX XXXX. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented Capitol One? If so, this is fraud.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-17

Blue Island, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-16

Co Spgs, CO

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-16

Minneapolis, MN

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-16

MI

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: XXXX never even sent me a letter saying that this debt was owed or where to send a payment to. There was no contact between me and this debt collector then all of a sudden on day out of the blue I recieve a court summons saying I am being sued. I was never given a chance to work out a payment areangemen ( which I would have done ) or anything of the sort. Now I have to pay the debt plus court fees and the laywer is telling me even if we dont go to court on this it will still show as a judgement on my credit. This seems unfair to me as I was never properly notified of the debit to begin with! How is it legal for them just to do this to people?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-16

Grosse Ile, MI

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: They failed to verify the debt and did not provide the information that i requested from them, to verify that i actually owe what they say i owe. I clearly requested how the amount was calculated, a contract that i signed, copies of the billing statements from the original creditor, documentation that they own the alleged debt, or verification such as a contract between them and the original creditor that gives them authorization to collect the debt, a copy of there collection license and/or authority to collect in my state. All of the letters they sent me do not include any credible information and they are clearly ignoring my verification letters. They are sending me the same letter every time that does not state anything of value and is irrelevant to my letter. Copies of all letters sent and received are available upon request.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-15

Lilburn, GA

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-14

Simi Valley, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-14

Crest Hill, IL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Saginaw, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-14

Baltimore, MD

Cash advance fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Oxford, GA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: There was not an option that fit my situation. I had a credit card with Capital One Bank. I got behind and was not able to continue to make the payment. The debt was sold to to XXXX XXXX XXXX XXXX. They turned around and filed for a judgement at the XXXX County Magistrate. Upon recieving notice of this filing I reached out to XXXX XXXX to investigate what this was about. I called them on XXXX/XXXX/XXXX. They informed me it was for the Capital One Credit Card that had a balance of about XXXX. We settled on a payment of XXXX. I made the payment over the phone at that time using my debit card. I requested that proof of payment be sent to me via email at the time and they stated that it was a process and they would get the process started within 48 hours. Two days later I called to get an update on the proof of payment and they stated that they would send it out. This went on for about three weeks and they still never sent the proof of payment. They verbally reassured me that the file was closed and that they reported it to the Credit Bureaus. In XXXX of XXXX, over one year after I had made the payment on XXXX/XXXX/XXXX I received notice from XXXX County Magistrate Court that a Judgement was granted to XXXX. I was stunned being that I had already paid it. I called XXXX XXXX and let them know that they needed to correct this. At this point the judgement was appearing on my credit report. In late XXXX of XXXX I received a Certificate Of Service stating that the Judgement was satisfied on XXXX XXXX, XXXX. This was well over a year after the payment was made. Last week I applied for an auto loan at my credit union and was denied because I had a judgement reporting on my credit. I called XXXX XXXX and they stated that the file is closed and that they can not do anything about it. I kept calling and the sent me to the voicemail of their attorney ( XXXX XXXX XXXX ) that was handling the case. He still has not called me back. Today I called XXXX XXXX and they told me to go to the Magistrate Court and ask them to help me. When I went down there the clerk said that they can not do anything and that it was already filed. XXXX XXXX refuses to help and take the proper steps to correct the mistake that they have made. I have been hung up on, put on hold until I got tired and hung up and been sent to eronious voicemails. These people are very aggressive in obtaining payment but once the payment is made they do not honor their word and make sure that the file is properly closed out. This infringing on my quality of life. I have attached the following documents : 1. Statement of Payment History : This statement will show that that I paid off the settled amount of XXXX on XXXX/XXXX/XXXX. 2. Default Judgement Order : This shows that the judgement was rendered on XXXX/XXXX/XXXX. Almost two months after the payment was made. 3. Judgement Satisfied Certificate of Service : Well over a year after the payment was made and they send me a Judgement Satisfied letter. 4. Proof of Payment showing a XXXX balance. I was finally able to get somebody to send me the documents that I am uploading today. But it was after days and hours of phone calls.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Hamburg, MN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Capital One - 1 ) Refused to give me credit for the rewards dollars I accumulated on their credit card. 2 ) Refusing to close my account twice even with a zero balance I opened a credit card account with Capital One earlier this year. The magnetic strip on my card stopped working so I requested a new one. During this time we moved to a new address for the first time in 28 years. They suspended my account and asked for all sorts of written documentation to be faxed to them. It would have been difficult to locate, given our move, and I would have had to travel some distance to a XXXX office to fax it, so I refused. I asked them to close my account and credit me for the {$120.00} of cash rewards I had accumulated. They refused. They made me pay my account in full without using my credits saying it was because they had suspended my account, so I 'm out the {$120.00}. Then they never closed my account as I requested despite having a XXXX balance. I just made a second attempt to close the account, was on the line for 30 minutes, and then they refused to do so until an investigator finished " investigating the account. '' I told them I was making notes of the conversation for this complaint and they hung up on me because of that. OK for them to record calls for training purposes, not OK for a customer to make notes of a call. I will now monitor my credit reports closely as well.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Unity Plaza, CT

Cash advance

Credit card:

Complaint: My credit card bill wont go down and I 've never miss a payment. I call my credit card bank which recently changed their name and they tell me that I did a cash advance for {$84.00} before 2009, I just learn what a cash advance is. I told them to give me a copy of the transaction and they claimed that they dont have it to call the old company and vise versa. Im a XXXX that really doesnt know that much of banking. please help me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Santa Barbara, CA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Itasca, IL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Lehigh, FL

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Itasca, IL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response